Compare Savings vs. CDs
Comparison of Deposit Account from FRONTWAVE with 6.00% - October 2026


Long-Term Analysis of RTN with 1.10% APY and FRONTWAVE with 6.00% APY

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    1.10%
    -
    $50,000
    60 Month
    Credit Union
    1.19x (National Avg. - 0.93%)
    $100,000
     
    SCENARIO
    Year Rate
    1.10%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 550 385
    2 50,550 556 389
    3 51,106 562 394
    4 51,668 568 398
    5 52,237 575 402
    6 52,811 581 407
    7 53,392 587 411
    8 53,979 594 416
    9 54,573 600 420
    10 55,173 607 425
    11 55,780 614 430
    12 56,394 620 434
    13 57,014 627 439
    14 57,641 634 444
    15 58,276 641 449
    16 58,917 648 454
    17 59,565 655 459
    18 60,220 662 464
    19 60,882 670 469
    20 61,552 677 474
    TOTAL $12,229 $8,560
  • 2
    LOCAL CD
    6.00%
    -
    $50,000
    18 Month
    Credit Union
    10.34x (National Avg. - 0.58%)
    $1,000
     
    SCENARIO
    Year Rate
    6.00%
    Annual
    Interest
    Annual Interest
    (After Tax)
    1 50,000 3,000 2,100
    2 53,000 3,180 2,226
    3 56,180 3,371 2,360
    4 59,551 3,573 2,501
    5 63,124 3,787 2,651
    6 66,911 4,015 2,810
    7 70,926 4,256 2,979
    8 75,182 4,511 3,158
    9 79,692 4,782 3,347
    10 84,474 5,068 3,548
    11 89,542 5,373 3,761
    12 94,915 5,695 3,986
    13 100,610 6,037 4,226
    14 106,646 6,399 4,479
    15 113,045 6,783 4,748
    16 119,828 7,190 5,033
    17 127,018 7,621 5,335
    18 134,639 8,078 5,655
    19 142,717 8,563 5,994
    20 151,280 9,077 6,354
    TOTAL $110,357 $77,250

    All calculations are for demonstration purposes only.

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